As a Residential Claim Specialist at TD Insurance , you will leverage your subject matter expertise to manage complex, high-risk residential claims , many with extended lifecycles of over one year. This role focuses on delivering exceptional customer outcomes while safeguarding TD Insurance’s business interests.
You will typically report to a Team Manager / Manager, Claims .
Key Responsibilities Claims Management & Customer Experience Handle complex, high-risk residential claims using advanced technical expertise
Meet with clients, witnesses, or other parties in the field to obtain statements and negotiate settlements, as required
Collaborate with internal teams, external vendors, and business partners to deliver timely and accurate claim resolutions
Apply claims management principles to control costs and minimize claims leakage
Identify potential fraudulent claims and manage them in line with organizational policies and procedures
Work with claims vendors to maintain agreed-upon service standards
Risk, Compliance & Business Protection Act as a subject matter expert within residential claims
Ensure all claim documentation is accurate, complete, and compliant with regulatory and internal requirements
Identify, manage, and accelerate non-standard or high-risk claims when necessary
Protect organizational interests by identifying risks and applying appropriate controls
Contribute to process improvement initiatives to enhance efficiency and effectiveness
Participate in cross-functional and enterprise initiatives, providing expert guidance on complex claims scenarios
Support a collaborative, inclusive, and positive team environment
Share knowledge, provide coaching, and support skill development within the team
Stay current on emerging trends, tools, and industry best practices
Act as a brand ambassador for TD Insurance internally and externally
Job Requirements Extensive experience handling complex residential insurance claims
Litigation Claims Experience
Proven ability to manage high-risk, high-severity claims with long resolution timelines




Expert understanding of the residential claims lifecycle and claims management practices
Strong knowledge of fraud identification, investigation, and escalation processes
Ability to operate at maximum claims authority , with escalation for select claims
Expert industry knowledge with applicable accreditation and credentials
Strong understanding of insurance regulations, operational environments, and compliance requirements
Ability to leverage Claims Resources teams and subject matter experts to assess liability and damages
Excellent judgment, decision-making, and negotiation skills
Strong written and verbal communication abilities
Proven ability to collaborate effectively across internal teams and external partners
Strong organizational, prioritization, and time-management skills
Comfortable working independently in complex and ambiguous situations
Commitment to continuous learning and professional development
Who We Are: As part of TD Bank Group, one of Canada's largest financial institutions, at TD Insurance, we care for Canadian families, making it easy to get the best advice, protection, and support in their moments of need, always.
TD Insurance offers a wide range of products, including General Insurance and Life and Health. Everyday, we strive to make every interaction, product and experience remarkably human and refreshingly simple for more than four million customers who count on us.
Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off,



banking benefits and discounts, career development, and reward and recognition programs.
Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.
Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.
If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your recent role.
Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!

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